Ryan Kennelly
- Total activity 1744
- Last activity
- Member since
- Following 1 user
- Followed by 0 users
- Votes 682
- Subscriptions 460
Articles
Recent activity by Ryan Kennelly Sort by recent activity-
I Have a Pre-existing Condition, Will it be Covered?
Yes! The Affordable Care Act eliminated pre-existing conditions starting 2014. Insurance companies are no longer able to deny coverage, charge more, impose waiting periods, or deny treatment for ...
What Documentation is Required to Prove a Qualifying Event?
Some qualifying events have multiple options, but you only need to supply one document. All letters and/or documents should be signed and dated. In some cases, it is difficult to provide the requir...
What Qualifying Events Allow Me to Get Coverage Outside Open Enrollment?
There are a handful of special circumstances and life events that could qualify you for a special enrollment period. This begins 60 days before the trigger event and lasts 60 days after the trigger...
Are there any ways around special enrollment requirements to purchase health insurance?
Unfortunately not. The only way to obtain insurance in the immediate future is if you have a qualifying event. If you do qualify for a Special Enrollment Period (SEP) but need something to cover y...
Will my Rates Increase if I Smoke?
Although insurers can’t charge more for health status, they can charge up to 50% more for smoking status. On the flip side, all ACA ("Obamacare") plans include smoking cessation therapy (including ...
What is a Catastrophic Plan?
A Catastrophic Plan is a health plan that meets all of the requirements applicable to other Qualified Health Plans (QHPs) but doesn't cover any benefits other than 3 primary care visits per year be...
Can a Health Insurance Company Terminate my Individual Health Insurance Policy?
An insurance company can only terminate your policy if you fail to pay your premium within the allowed grace period, which is typically 30 days. If you applied for your plan through the healthcare...
Who is Eligible for Individual Health Coverage?
Q: Who is Eligible for Individual Health Coverage? A: In order to qualify for assistance with health insurance costs, you must: Live in the United States Be a U.S. Citizen or national, or othe...
If I Underestimate My Income to Get a Subsidy, What Will Happen?
Try not to worry! You aren't the only one who underestimated your income last year and received a subsidy. For many, it's hard to know when a new job will come or what income will look like next y...
Is There an Extra Fee to Use an Insurance Agent or Broker?
No. Health insurance agents and brokers are paid a commission by the health insurance company. Your insurance rates will always be the same whether you use an agent or buy directly from an insuran...